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Category Archives: Credit Zone

How to Find Low Bad Credit Car Loans Rates

Written by Dave Perry on September 19, 2013.

You can almost think about the process of getting car loans to be similar to the game of golf; whoever gets the lowest score – in this case that score would be the interest rates you pay on loans – wins! But, on the flip side of the coin, you most definitely dont feel like a winner in the competition to get a car loan if your bureau score is on the low end of the credit score spectrum. The simple fact is the difference between bad interest rates and a good rate can amount to thousands of dollars in unnecessary interest charges. In some cases these bad rates can increase your monthly payment from fifty to seventy five dollars a month. What were getting at here, is its great to find low bad credit car loan rates, but its not so great to have a bureau score so low that you have to worry about whether or not youll get approved for your loan. So

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Citi Slashes Credit Card Fees

Written by Dave Perry on September 14, 2013.

One of the largest complaints that credit card users have is that they are constantly inundated with fees for everything. The CARD Act of 2009 eliminated many of these fees, but other still remain. Thankfully the trend seems to be going away from fees, and more cards are being issued with a simpler cost structure.

Citi makes a move

Recently, Citi announced that they were going to be eliminating some of the fees it charges credit card users. In a letter sent to Citi cardholders, Jud Linville, CEO of Citi Cards announced Fees are something we all try to avoid and we are working to determine where they can be eliminated. You will no longer be charged an expedited payment fee if you need to make a last minute payment over the phone. We also removed the statement copy fee for past billing statement requests.

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When Debt Collectors Call Anyway

Written by Dave Perry on September 11, 2013.

The way to stop debt collection calls (other than paying the debt) is by sending a cease communication letter. But what do you do when the debt collector continues to contact you even after you’ve told them to stop? Start by making sure they received your letter telling them to stop calling.

You can also complain to the Consumer Financial Protection Bureau. It won’t necessarily stop calls immediately, but with enough complaints the Bureau might launch an investigation into that agency and could even shut down the business.

A Beginner’s Guide To Citi ThankYou Points

Written by Dave Perry on August 30, 2013.

Like most other banks, Citi offers its own proprietary rewards program called ThankYou points. These points are earned from several of their reward credit cards, as well as from retail banking accounts. These accounts are called sponsor accounts, and all the points earned from each of these accounts are pooled together.

Earning points

Most Citi credit cards earn one ThankYou point per dollar spent, while the Citi Forward cards earn five points per dollar spent on dining and entertainment. Some other card feature bonus categories as well.  For those with multiple sponsor accounts, such as multiple credit cards or bank accounts, all the points are pooled into one account.

Using points

Points can be used in several different ways.

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Off to College? Here’s How to Build a Good Score

Written by Dave Perry on August 23, 2013.

If you’re going off to college for the first time, expect to hear a lot about credit. Granted, the most important credits to worry about are your college credits. You might also start hearing some buzz about credit cards, from marketers near campus, from your school credit union, or from your peers. If you apply for a private student loan, you’ll soon learn that credit history is one of the deciding factors.

Before you get derailed, know that your goal is to achieve a good credit score, whether you start while you’re in college or you wait until after graduation.

At age 18, you’re old enough to qualify for a credit card on your own, if you have your own income. That first credit card will be the starting point of building your credit score. Use it wisely and you’re on your way to good credit.

Some actions (like not paying your bills) can jumpstart your credit score without you even trying.

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